BlastPoint's Credit Union Scorecard

SAN FRANCISCO

Charter #24542 · CA

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 40 in CA

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SAN FRANCISCO has 13 strengths but faces 6 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 1.5% in tier
+ Wallet Share Momentum: Top 2.6% in tier
+ Organic Growth Engine: Top 9.4% in tier
+ Organic Growth Leader: Top 22.5% in tier
+ Credit Quality Leader: Top 41.5% in tier
+ Emerging Performer: Top 49.3% in tier
+ Profitability Leader: Top 72.3% in tier
+ ROA 0.41% above tier average
+ AMR Growth Rate: Top 0.3% in tier
+ Loan Growth Rate: Top 0.7% in tier
+ Share Certificate Concentration (%): Top 4.3% in tier
+ Total Delinquency Rate (60+ days): Top 9.5% in tier
+ Members Per Employee (MPE): Top 9.9% in tier

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 3.6% in tier
- Margin Compression: Bottom 4.9% in tier
- First Mortgage Concentration (%): Bottom 5.9% in tier
- Total Loans: Bottom 6.2% in tier
- Total Members: Bottom 7.9% in tier
- Loan-to-Share Ratio: Bottom 9.5% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	51,478 +2.3% YoY+0.1% QoQ	-47.2K	98,678 -1.9% YoY	59,606 +5.7% YoY	33,089 +6.1% YoY	Bottom 7.6% in tier
Assets	$1.4B +7.2% YoY-0.1% QoQ	$-277.4M	$1.7B +0.5% YoY	$1.2B +6.2% YoY	$547.7M +7.8% YoY	43%
Loans	$683.7M +49.3% YoY+10.1% QoQ	$-549.4M	$1.2B +0.5% YoY	$845.5M +7.1% YoY	$388.7M +8.6% YoY	Bottom 5.9% in tier
Deposits	$1.1B +8.7% YoY-1.2% QoQ	$-353.8M	$1.5B +1.3% YoY	$1.0B +8.8% YoY	$464.6M +9.3% YoY	32%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.1% -40.1% YoY+11.7% QoQ	+0.4%	0.7% +13.4% YoY	0.6% +30.0% YoY	0.7% +273.4% YoY	84%
NIM	3.2% -4.8% YoY-0.6% QoQ	-0.1%	3.3% +9.3% YoY	3.3% +6.5% YoY	3.7% +5.0% YoY	43%
Efficiency Ratio	67.6% +31.5% YoY-4.1% QoQ	-6.4%	74.0% -10.9% YoY	79.3% -6.2% YoY	79.1% -3.3% YoY	25%
Delinquency Rate	0.3% -23.2% YoY+10.8% QoQ	-0.6	0.8% +6.1% YoY	0.7% -38.7% YoY	1.2% -0.9% YoY	Bottom 9.5% in tier
Loan To Share	62.1% +37.3% YoY+11.4% QoQ	-23.1%	85.2% -0.8% YoY	68.8% -1.5% YoY	68.0% -1.7% YoY	Bottom 9.2% in tier
AMR	$34,661 +18.7% YoY+2.7% QoQ	+$5K	$29,172 +2.8% YoY	$28,514 +2.8% YoY	$19,418 +1.3% YoY	84%
CD Concentration	13.3% -15.3% YoY-2.1% QoQ	-15.7%	29.0% +0.7% YoY	21.7% +4.2% YoY	19.6% +6.2% YoY	Bottom 4.2% in tier
Indirect Auto %	1.6% +10.5% YoY-9.2% QoQ	-17.2%	18.8% -3.0% YoY	9.5% -6.9% YoY	7.9% -2.9% YoY	19%

Signature Analysis

Strengths (7)

Relationship Depth Leader

growth

#2 of 67 • Top 1.5% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 18.66%

(Tier: 3.04%, National: 4.19%)

better than tier avg

Share Draft per Member: $4.1K

(Tier: $3.1K, National: $2.0K)

better than tier avg

67 of 380 Mid-Market CUs have this signature | 341 nationally

↑ Growing +25 CUs YoY | New qualifier

Wallet Share Momentum

growth

#4 of 116 • Top 2.6% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 18.66%

(Tier: 3.04%, National: 4.19%)

better than tier avg

116 of 380 Mid-Market CUs have this signature | 620 nationally

↑ Growing +38 CUs YoY | New qualifier

Organic Growth Engine

growth

#69 of 246 • Top 9.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.26%

(Tier: 3.18%, National: 9.37%)

but worse than tier avg

Return on Assets: 1.12%

(Tier: 0.71%, National: 0.71%)

better than tier avg

Indirect Auto %: 1.59%

(Tier: 18.77%, National: 7.90%)

better than tier avg

246 of 380 Mid-Market CUs have this signature | 917 nationally

↑ Growing +14 CUs YoY | Rank worsening

Organic Growth Leader

growth

#89 of 138 • Top 22.5% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.26%

(Tier: 3.18%, National: 9.37%)

but worse than tier avg

Indirect Auto %: 1.59%

(Tier: 18.77%, National: 7.90%)

better than tier avg

138 of 380 Mid-Market CUs have this signature | 608 nationally

↑ Growing +11 CUs YoY | Rank improving

Credit Quality Leader

growth

#40 of 95 • Top 41.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.27%

(Tier: 0.83%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.08% points

(Tier: 0.07% points, National: 0.07% points)

better than tier avg

95 of 380 Mid-Market CUs have this signature | 457 nationally

→ Stable (93→95 CUs) +2 CUs YoY | Rank improving

Emerging Performer

growth

#36 of 72 • Top 49.3% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.12%

(Tier: 0.71%, National: 0.71%)

better than tier avg

Member Growth (YoY): 2.26%

(Tier: 3.18%, National: 9.37%)

but worse than tier avg

72 of 380 Mid-Market CUs have this signature | 288 nationally

↑ Growing +13 CUs YoY | Rank worsening

Profitability Leader

growth

#69 of 95 • Top 72.3% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.12%

(Tier: 0.71%, National: 0.71%)

better than tier avg

ROA Change (YoY): -0.75% points

(Tier: 0.07% points, National: 0.05% points)

but worse than tier avg

95 of 380 Mid-Market CUs have this signature | 457 nationally

→ Stable (93→95 CUs) +2 CUs YoY | Rank worsening

Concerns (2)

Cost Spiral

risk

#3 of 14 • Bottom 3.6% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 16.19% points

(Tier: -7.46% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 38.42%

(Tier: 51.53%, National: 63.68%)

but better than tier avg

14 of 380 Mid-Market CUs have this signature | 80 nationally

→ Stable (16→14 CUs) -2 CUs YoY | Rank improving

Margin Compression

decline

#5 of 24 • Bottom 4.9% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.12%

(Tier: 0.71%, National: 0.71%)

but better than tier avg

ROA (Prior Year): 1.86%

(Tier: 0.64%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -0.75% points

(Tier: 0.07% points, National: 0.05% points)

worse than tier avg

24 of 380 Mid-Market CUs have this signature | 169 nationally

↓ Shrinking -16 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 304 peers in tier

Top Strengths (11 metrics)

AMR Growth Rate

growth

Value: 18.66%

Peer Avg: -

#2 of 304 Top 0.3% in 1B-3B tier

Loan Growth Rate

growth

Value: 49.27%

Peer Avg: -

#3 of 304 Top 0.7% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 13.26%

Peer Avg: -

#14 of 304 Top 4.3% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.27%

Peer Avg: -

#30 of 304 Top 9.5% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 467.982

Peer Avg: -

#31 of 304 Top 9.9% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.17%

Peer Avg: -

#33 of 304 Top 10.5% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.12%

Peer Avg: -

#48 of 304 Top 15.5% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $34,661

Peer Avg: -

#49 of 304 Top 15.8% in 1B-3B tier

Deposit Growth Rate

growth

Value: 8.71%

Peer Avg: -

#61 of 304 Top 19.7% in 1B-3B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 1.59%

Peer Avg: -

#64 of 304 Top 20.7% in 1B-3B tier

Top Weaknesses (5 metrics)

287

First Mortgage Concentration (%)

balance_sheet

Value: 59.19%

Peer Avg: -

#287 of 304 Bottom 5.9% in 1B-3B tier

286

Total Loans

balance_sheet

Value: $683.70M

Peer Avg: -

#286 of 304 Bottom 6.2% in 1B-3B tier

281

Total Members

engagement

Value: 51,478

Peer Avg: -

#281 of 304 Bottom 7.9% in 1B-3B tier

276

Loan-to-Share Ratio

balance_sheet

Value: 62.12%

Peer Avg: -

#276 of 304 Bottom 9.5% in 1B-3B tier

249

Fee Income Per Member

profitability

Value: $146.35

Peer Avg: -

#249 of 304 Bottom 18.4% in 1B-3B tier